Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Carson’s credit card. We are here to answer
your questions and assist with your concerns.
We...
understand from your complaint that on
December 24, 2016, you charged $5.49 to the account and the payment was due
January 27, 2017. You paid the balance on January 10, 2017. On January 4, 2017,
and January 11, 2017, you ordered a pair of boots. The bill totaled $86.20 and
the payment was due February 21, 2017. You returned both pairs of boots on
January 18, 2017, with the return label, you confirmed the boots were received
on January 31, 2017, however, you were charged a late fee. You want to know why
you were charged a late fee for something you don’t have. I am happy to share
my findings.
Please keep in mind that when payments are not
received, are received after the due date, or are made for less than the
minimum required, the account will be assessed a late fee, as explained in the
Credit Card Agreement. The account’s due date is the 21st of each
month.
Bank records indicate a charge in the amount of
$43.10 for MS SHOES posted to the account on January 4, 2017, and January 11,
2017. A billing statement was issued January 26, 2017, with a balance of $86.20
and a minimum payment of $27.00 due by February 21, 2017. Due to no payment being
received by the due date, a late fee and finance charge was assessed. The
returns posted in the amount of $77.25 on January 31, 2017. The account did not
receive credit for the return label fee of $8.95.
A billing statement was issued on February 23,
2017, with a balance of $37.95 and a minimum payment of $13.95 due by March 21,
2017. A payment in the amount of $37.95 posted to the account on March 11,
2017.
The Bank received your dispute on March 10,
2017, regarding the late fee assessed. Please be assured the late fee of $27.00
and the finance charge of $2.00 were credited on March 13, 2017. There is a credit
in the amount of $29.00 on the account.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####.
The attachments tell the story. I phoned the product provider and cancelled the order verbally (see copy of phone record for date and time). The provider is claiming I did not notify them to cancel. This is the root of the scam. They kept sending product and charging my Comenity card for months after I cancelled via phone call. After I complained, they then stopped charging my card. You can see from the card statements the dates of the charges after I notified them to cancel. If you research the product provider company online, you will find that they have numerous similar complaints. I expect Visa/Comenity to make good my loss as per consumer protection law. The fact that Comenity is telling me I need to have to have a third party investigate is contrary to consumer protection law.If Revdex.com is not able to help me achieve resolution, just say so and I will take this up with consumer protection advocates under law.
Regards,
[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 10650411
I am rejecting this response because: proof that a return was made was mailed, as directed by a customer service member from Comenity Bank, in March 2015. The value of the return exceeded the account balance. Even if Pottery Barn was unable to fully credit my account because of the rewards certificate that was used, it should have been credited for all but the value of the $25 rewards certificate, making my balance $25.00 instead of the $60.37 posted -- and the interest charged should account for that difference as well. At the end of the day, I no longer have the purchase I made using the card because it was returned on November 7, 2014 in Indianapolis, Indiana. If this was erroneously reported to Comenity, or not reported at all, that is not my fault, and I'm not sure that I should be responsible for all of the interest and charges that have accumulated because of someone else's error.
Regards,
Seton Goddard
Good afternoonI paid the late fees, which I did not owe the item was returned, I do not have the item but I had to pay.I got sick of Comentiy call me asking for $111.91 for late charges.Contacting your office was no help at all
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Comenity should have process the dispute the first time I sent it instead of denying it the first time.
Regards,
[redacted]
Dear [redacted]
We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts. Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft,...
Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions. I appreciatethe opportunity to address your concerns. We understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened. Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously. The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns. Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you. We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identity. Please note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts. Please allow the creditreporting agencies 45 days to update their records. On behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you. Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful. Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY credit card accounts, and we are here to assist with your account-related...
questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We previously received and responded to your complaint submitted to Comenity Bank regarding this same matter. Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, 2016. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the POTTERY BARN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, you were re-billed for items that you...
returned in June 2016. You state that the account was credited $418.56 on the July 2016 billing statement; however, on the August 2016 billing statement, the amount was charged again as two transactions: $70.97 and $347.59, totaling $418.56. You state the Bank was contacted and verified this was correct. You request a credit adjustment of $418.56. I am happy to share my findings. Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter. On your behalf, a representative disputed the transactions of $70.97 and $347.59. While the Bank was investigating this matter, the account was provided a provisional credit for both transactions. At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed. We contacted POTTERY BARN again, on your behalf, regarding this matter. We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2,422.72. A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $418.56. On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account. Please be assured the account was not double charged for these items. There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Pier 1 Imports® credit card accounts, and we respond to account-relatedquestions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your concerns as noted in the correspondence that you were offeredcoupons when you opened your Pier 1 Imports® account, and that you havecontacted the Bank as well as Pier 1 Imports directly for assistance with thismatter. We apologize for the inconvenience and frustration you may have experienced due to this situation.Please be assured that your welcome kit includes a coupon for 20% off your nextpurchase. In addition, a courtesy coupon was requested on June 27, 2015.Also, you can earn a reward certificate, for receiving 1 point for every dollar spenton your Pier 1 Imports® credit card account. For every $200.00 spent earns you a $10.00 reward certificate. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feelfree to contact me at [redacted], ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. I understand your concerns regarding the $25.00 returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, Bank records indicate that a payment of $34.18 was scheduled online on September 23, 2016. The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be located. As a result, the $34.18 payment was added back to the balance, and a returned check fee of $25.00 was applied to the account. Please note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety days. Once the Bank receives three months of on-time payments, the restrictive status is removed. Although there were no Bank errors, in the interest of customer service, the $25.00 returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zero. In addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closed. We hope you found this information to be helpful. Should you have any further questions, please c ontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]
I apologize for not writing to answer your letter, and check from Comenity Bank. I have no use for Comenity Bank. It is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling you. Let's make a deal, they say you owe $80 some dollars in late payments. If you will send $40 (will have to look up, exact amount) I said I will send 1/2 of this amount and he said he would send the other and the account should be closed. Well, I sent my 1/2, but he never did send his 1/2. I am still hoping to find out who he is. He said he was with Comenity Bank. Such a liar. of course my opinion of Comenity Bank went way down. Thank you so much for defending me, and thank you for the checks. We really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely,[redacted] Age 87
We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced account. Comenity Bank issues Herberger’s credit card
accounts, and we are here to assist you with any account-related questions. Your...
complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
Our understanding, as you stated in the
Revdex.com complaint, you were enrolled in the Account Assure
program without your approval and charged $9.92. Furthermore, you are requesting to have the
Account Assure program cancelled and your Herberger’s account credited back for
the charge.
Comenity Bank understands your concerns in
the complaint and would like to take this moment to explain our findings.
After researching our records, we had
reviewed your application processed at the Herberger’s store in St. Cloud,
MN. During our review, we had found the
store associate enrolled you in the Account Assure program on November 26, 2015. Due to this, the enrollment charges started
when your first purchase was made. Once
the billing statement generated on December 15, 2015, with a balance; there was
a $9.92 premium fee assessed to the account
for Account Assure.
Please be assured that Comenity Bank has
contacted Account Assure, on your behalf, cancelling the program as of December
18, 2015. In addition, we had credited
the $9.92 premium fee on December 21, 2015, bringing your account to a credit
balance.
As of the date of this letter, we have issued
a refund check for the $9.92 credit balance and you should receive it within 14
days
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be
happy to assist you.
Sincerely, ...⇄
Jack C[redacted]
Consumer Relations Specialist
It did not addressed how I was harassed from sun up to sun down. It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament. I tried to work out a lower payment arrangement @ $25.00 monthly until my benefits were started and it was rejected. This letter sound as it they are willing to help now but when I tried on my own they were not as helpful. Once again, I can only pay $25 monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane home. I will still pay them out.
Regards,[redacted]
Dear Mr. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and...
Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2address. Due to this matter, derogatory payment information has been reported on your creditbureau report. You are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, 2015. 1 have included all available billing statements foryour records.Bank records indicate the account was reported as current from May 2014 through December2014. The account became 30 days past due in January 2015 and 60 days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activity. At this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card accounts. We are here to answeryour questions and assist with your concerns.In your correspondence you state you paid your account off and closed it, and now...
you arereceiving phone calls stating your account is past due. You were advised no fees could be waivedsince they account is closed. You asked that your account be reopened so the fees could bewaived, and this request was declined.. You are again requesting the fees waived.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 18th of the month. Bank records indicate a statement was issuedon July 23, 2017, indicating a balance of $54.74 with a minimum payment of $25.00 due by August18, 2017. A payment of $54.74 was received on August 19, 2017. Since the payment wasreceived after the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fees are valid andwe are unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questions. Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress error. You are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, 2014. The address listed on the credit application was [redacted]A purchase of $12.56 was charged to the account on October 21, 2014. The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February 2015 payment due dates. We have norecord that the statements were returned by the post office, and our records confirm thestatements were delivered. As a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 201 5, your address was updated on your Victoria's Secret/ PINK account to [redacted]On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $15.00 payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $1 14.40. Payment of $25.00 was due on April 17, 2015. As payments were notreceived for the April and May 2015 due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, 2015. During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit card. You also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $1 18.71 for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of 306 was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the Bank. Therefore, the statementswere delivered to this address. Enclosed are the billing statements for your records.Please be assured that we have issued credits totaling $1 18.71 to your Victoria's SecretlPlNKaccount for the previously assessed fees. Additionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit file. Please allow them 45 days to update their records.As of today, your account balance is zero and the credit limit of $500.00 has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-1 0 businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was[redacted]. We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaint. If you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpful. Should you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
They were dishonest in opening a second credit account that I did not know about. By the time I realized there was a second account it has already had fees charged to it. I will not pay them. I paid in full the account I was aware of. I also sent in my money order for the remaining $21.50 I owed and not one penny more will be paid. You just do not open multiple accounts for people and expect them to understand you did this. Anywhere else I've applied for credit I've only been given one account.
Dear [redacted]: We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion. Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agencies. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely, Tionna M[redacted] [redacted]
Dear [redacted]We received a complaint that you sent to the Revdex.com regarding the above-notedaccount. Comenity Bank issues the Victoria's Secret/PtNK credit card, and we are here to helpanswer your questions. I appreciate the opportunity to assist you with your concerns.Your...
complaint states that you never had an account with Victoria's Secret/PINK, and that younever received any statements for the account. You have also requested the account bedeleted from your credit file.Enclosed is a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements, which show the account activity that comprised the account balance anddelinquencies, which were reported to the credit bureaus. Afier reviewing the accountinformation with the Bank, here is what we have noted.The Victoria's Secret/PlNK account was opened on April 13, 2013, in the name ofKaren L. Gardner.The last payment on the account was in the amount of $0.00.The last billing statement, issued on November 17, 2013, reflected a balance of$923.49.The account wrote-off due to non-payment on December 18, 2013, with a write-offbalance of $943.29.The Bank then sold the account to Portfolio Recovery on May 14, 2015.As you state that you never opened or had a Victoria's Secret/PlNK account, please be assuredthat our Account Protection team has contacted Portfolio Recovery and requested the account,be returned to Comenity Bank. A fraud case has been set up and an investigator assigned.We hope this information is helpful. For further questions or concerns, please contact AccountProtection, Bradley T[redacted] at ###-###-#### and reference case ########. He will behappy to assist you.Sincerely,Shawnda Y[redacted]
Dear [redacted]
Comenity Bank (Bank) has received your correspondence regarding the
above-referenced account.
Comenity Bank issues the Carson’s credit card. We are here to answer
your questions and assist with your concerns.
We...
understand from your complaint that on
December 24, 2016, you charged $5.49 to the account and the payment was due
January 27, 2017. You paid the balance on January 10, 2017. On January 4, 2017,
and January 11, 2017, you ordered a pair of boots. The bill totaled $86.20 and
the payment was due February 21, 2017. You returned both pairs of boots on
January 18, 2017, with the return label, you confirmed the boots were received
on January 31, 2017, however, you were charged a late fee. You want to know why
you were charged a late fee for something you don’t have. I am happy to share
my findings.
Please keep in mind that when payments are not
received, are received after the due date, or are made for less than the
minimum required, the account will be assessed a late fee, as explained in the
Credit Card Agreement. The account’s due date is the 21st of each
month.
Bank records indicate a charge in the amount of
$43.10 for MS SHOES posted to the account on January 4, 2017, and January 11,
2017. A billing statement was issued January 26, 2017, with a balance of $86.20
and a minimum payment of $27.00 due by February 21, 2017. Due to no payment being
received by the due date, a late fee and finance charge was assessed. The
returns posted in the amount of $77.25 on January 31, 2017. The account did not
receive credit for the return label fee of $8.95.
A billing statement was issued on February 23,
2017, with a balance of $37.95 and a minimum payment of $13.95 due by March 21,
2017. A payment in the amount of $37.95 posted to the account on March 11,
2017.
The Bank received your dispute on March 10,
2017, regarding the late fee assessed. Please be assured the late fee of $27.00
and the finance charge of $2.00 were credited on March 13, 2017. There is a credit
in the amount of $29.00 on the account.
I hope you
have found this information to be helpful. If you have any questions or
concerns, please feel free to contact me at ###-###-####.
Sincerely,
Kaija M[redacted]
The attachments tell the story. I phoned the product provider and cancelled the order verbally (see copy of phone record for date and time). The provider is claiming I did not notify them to cancel. This is the root of the scam. They kept sending product and charging my Comenity card for months after I cancelled via phone call. After I complained, they then stopped charging my card. You can see from the card statements the dates of the charges after I notified them to cancel. If you research the product provider company online, you will find that they have numerous similar complaints. I expect Visa/Comenity to make good my loss as per consumer protection law. The fact that Comenity is telling me I need to have to have a third party investigate is contrary to consumer protection law.If Revdex.com is not able to help me achieve resolution, just say so and I will take this up with consumer protection advocates under law.
Regards,
[redacted]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 10650411
I am rejecting this response because: proof that a return was made was mailed, as directed by a customer service member from Comenity Bank, in March 2015. The value of the return exceeded the account balance. Even if Pottery Barn was unable to fully credit my account because of the rewards certificate that was used, it should have been credited for all but the value of the $25 rewards certificate, making my balance $25.00 instead of the $60.37 posted -- and the interest charged should account for that difference as well. At the end of the day, I no longer have the purchase I made using the card because it was returned on November 7, 2014 in Indianapolis, Indiana. If this was erroneously reported to Comenity, or not reported at all, that is not my fault, and I'm not sure that I should be responsible for all of the interest and charges that have accumulated because of someone else's error.
Regards,
Seton Goddard
Good afternoonI paid the late fees, which I did not owe the item was returned, I do not have the item but I had to pay.I got sick of Comentiy call me asking for $111.91 for late charges.Contacting your office was no help at all
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Comenity should have process the dispute the first time I sent it instead of denying it the first time.
Regards,
[redacted]
Dear [redacted]
We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts. Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft,...
Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions. I appreciatethe opportunity to address your concerns. We understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened. Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously. The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns. Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you. We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identity. Please note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts. Please allow the creditreporting agencies 45 days to update their records. On behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you. Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful. Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] We have received your complaint, addressed to the Revdex.com, regarding the above-referenced accounts. Comenity Bank issues avenue®, VICTORIA’S SECRET, and NEW YORK & COMPANY credit card accounts, and we are here to assist with your account-related...
questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to respond to your concerns. We previously received and responded to your complaint submitted to Comenity Bank regarding this same matter. Please find enclosed copies of our responses sent to you on March 10, 2016, and March 11, 2016. We value you as a customer, and we sincerely apologize for any confusion or inconvenience this matter has caused you. If you have any further questions about your accounts, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Renee S[redacted]
Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the POTTERY BARN credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint, you were re-billed for items that you...
returned in June 2016. You state that the account was credited $418.56 on the July 2016 billing statement; however, on the August 2016 billing statement, the amount was charged again as two transactions: $70.97 and $347.59, totaling $418.56. You state the Bank was contacted and verified this was correct. You request a credit adjustment of $418.56. I am happy to share my findings. Bank records indicate that you spoke with the Bank on September 26, 2016, regarding the matter. On your behalf, a representative disputed the transactions of $70.97 and $347.59. While the Bank was investigating this matter, the account was provided a provisional credit for both transactions. At the completion of your dispute, and explained in the letter dated November 16, 2016, the transactions were found to be valid and the provisional credits were removed. We contacted POTTERY BARN again, on your behalf, regarding this matter. We were advised that there was an order charged to the account on May 28, 2016, in the amount of $2,422.72. A portion of this purchase, totaling $418.56, was on back order; therefore, on June 8, 2016, POTTERY BARN credited the account $418.56. On July 5, 2016, and July 6, 2016, the items on back order were filled, and charged to the account. Please be assured the account was not double charged for these items. There is currently a balance of $435.60, with a minimum payment of $27.00, due by December 28, 2016, and no credit is due on the account at this time. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. ...⇄ Sincerely, Kaija M
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Pier 1 Imports® credit card accounts, and we respond to account-relatedquestions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your concerns as noted in the correspondence that you were offeredcoupons when you opened your Pier 1 Imports® account, and that you havecontacted the Bank as well as Pier 1 Imports directly for assistance with thismatter. We apologize for the inconvenience and frustration you may have experienced due to this situation.Please be assured that your welcome kit includes a coupon for 20% off your nextpurchase. In addition, a courtesy coupon was requested on June 27, 2015.Also, you can earn a reward certificate, for receiving 1 point for every dollar spenton your Pier 1 Imports® credit card account. For every $200.00 spent earns you a $10.00 reward certificate. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feelfree to contact me at [redacted], ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. I understand your concerns regarding the $25.00 returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, Bank records indicate that a payment of $34.18 was scheduled online on September 23, 2016. The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be located. As a result, the $34.18 payment was added back to the balance, and a returned check fee of $25.00 was applied to the account. Please note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety days. Once the Bank receives three months of on-time payments, the restrictive status is removed. Although there were no Bank errors, in the interest of customer service, the $25.00 returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zero. In addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closed. We hope you found this information to be helpful. Should you have any further questions, please c ontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]
I am rejecting this response because:
Regards, [redacted]
I apologize for not writing to answer your letter, and check from Comenity Bank. I have no use for Comenity Bank. It is from this bank that a man called me, and he said "Wouldn't you like to get Tog Shop off your back," and I said "Yes I would, but I don't owe them a dime." He said I know you don't, but they will never quit writing and calling you. Let's make a deal, they say you owe $80 some dollars in late payments. If you will send $40 (will have to look up, exact amount) I said I will send 1/2 of this amount and he said he would send the other and the account should be closed. Well, I sent my 1/2, but he never did send his 1/2. I am still hoping to find out who he is. He said he was with Comenity Bank. Such a liar. of course my opinion of Comenity Bank went way down. Thank you so much for defending me, and thank you for the checks. We really appreciate Revdex.com, and why didn't we contact you months ago?Sincerely,[redacted] Age 87
Dear
Mr. [redacted]:
We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced account. Comenity Bank issues Herberger’s credit card
accounts, and we are here to assist you with any account-related questions. Your...
complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
Our understanding, as you stated in the
Revdex.com complaint, you were enrolled in the Account Assure
program without your approval and charged $9.92. Furthermore, you are requesting to have the
Account Assure program cancelled and your Herberger’s account credited back for
the charge.
Comenity Bank understands your concerns in
the complaint and would like to take this moment to explain our findings.
After researching our records, we had
reviewed your application processed at the Herberger’s store in St. Cloud,
MN. During our review, we had found the
store associate enrolled you in the Account Assure program on November 26, 2015. Due to this, the enrollment charges started
when your first purchase was made. Once
the billing statement generated on December 15, 2015, with a balance; there was
a $9.92 premium fee assessed to the account
for Account Assure.
Please be assured that Comenity Bank has
contacted Account Assure, on your behalf, cancelling the program as of December
18, 2015. In addition, we had credited
the $9.92 premium fee on December 21, 2015, bringing your account to a credit
balance.
As of the date of this letter, we have issued
a refund check for the $9.92 credit balance and you should receive it within 14
days
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be
happy to assist you.
Sincerely, ...⇄
Jack C[redacted]
Consumer Relations Specialist
CC: Revdex.com
It did not addressed how I was harassed from sun up to sun down. It did not address that I was the one who contact them first in writing and by telephone before my accounts were in arrears and told them of my predicament. I tried to work out a lower payment arrangement @ $25.00 monthly until my benefits were started and it was rejected. This letter sound as it they are willing to help now but when I tried on my own they were not as helpful. Once again, I can only pay $25 monthly until my benefits start and I want to cancel the following accounts, Avenue, woman within, full beauty, and brylane home. I will still pay them out.
Regards,[redacted]
Dear Mr. [redacted]:Thank you for your recent complaint regarding the account noted above. Comenity Bank issuesStage credit cards and we are here to help with your account-related questions and concerns.Your complaint, addressed to the Revdex.com, was forwarded to my attention and...
Iappreciate the opportunity to assist you.I understand from your complaint, you missed a couple of your first payments on your Stageaccount due to the billing statements being sent to your street address, rather than your mailing2address. Due to this matter, derogatory payment information has been reported on your creditbureau report. You are requesting to have the derogatory information removed from your creditbureau report.Please note, billing statements have been issued via direct mail to the physical address listedon the Stage credit card account, beginning on May 16, 2014, until the address was updated toyour PO Box address on January 21, 2015. 1 have included all available billing statements foryour records.Bank records indicate the account was reported as current from May 2014 through December2014. The account became 30 days past due in January 2015 and 60 days past due inFebruary 2015.Comenity Bank is required by law to report factual data to the credit bureaus with regard toaccount activity. At this time, Comenity Bank finds no errors in its reporting of the Stage creditcard account to the credit bureaus.I hope you find this information to be helpful. Should you have additional questions or concernsabout this matter, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####).I would be happy to assist you.Sincerely,Geanine M[redacted]
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card accounts. We are here to answeryour questions and assist with your concerns.In your correspondence you state you paid your account off and closed it, and now...
you arereceiving phone calls stating your account is past due. You were advised no fees could be waivedsince they account is closed. You asked that your account be reopened so the fees could bewaived, and this request was declined.. You are again requesting the fees waived.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 18th of the month. Bank records indicate a statement was issuedon July 23, 2017, indicating a balance of $54.74 with a minimum payment of $25.00 due by August18, 2017. A payment of $54.74 was received on August 19, 2017. Since the payment wasreceived after the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fees are valid andwe are unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted]We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questions. Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress error. You are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, 2014. The address listed on the credit application was [redacted]A purchase of $12.56 was charged to the account on October 21, 2014. The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February 2015 payment due dates. We have norecord that the statements were returned by the post office, and our records confirm thestatements were delivered. As a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 201 5, your address was updated on your Victoria's Secret/ PINK account to [redacted]On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $15.00 payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $1 14.40. Payment of $25.00 was due on April 17, 2015. As payments were notreceived for the April and May 2015 due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, 2015. During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit card. You also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $1 18.71 for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of 306 was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the Bank. Therefore, the statementswere delivered to this address. Enclosed are the billing statements for your records.Please be assured that we have issued credits totaling $1 18.71 to your Victoria's SecretlPlNKaccount for the previously assessed fees. Additionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit file. Please allow them 45 days to update their records.As of today, your account balance is zero and the credit limit of $500.00 has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-1 0 businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was[redacted]. We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaint. If you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpful. Should you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
They were dishonest in opening a second credit account that I did not know about. By the time I realized there was a second account it has already had fees charged to it. I will not pay them. I paid in full the account I was aware of. I also sent in my money order for the remaining $21.50 I owed and not one penny more will be paid. You just do not open multiple accounts for people and expect them to understand you did this. Anywhere else I've applied for credit I've only been given one account.
Dear [redacted]: We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion. Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agencies. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely, Tionna M[redacted] [redacted]
Dear [redacted]We received a complaint that you sent to the Revdex.com regarding the above-notedaccount. Comenity Bank issues the Victoria's Secret/PtNK credit card, and we are here to helpanswer your questions. I appreciate the opportunity to assist you with your concerns.Your...
complaint states that you never had an account with Victoria's Secret/PINK, and that younever received any statements for the account. You have also requested the account bedeleted from your credit file.Enclosed is a copy of the Credit Card Agreement (CCA), as well as copies of the billingstatements, which show the account activity that comprised the account balance anddelinquencies, which were reported to the credit bureaus. Afier reviewing the accountinformation with the Bank, here is what we have noted.The Victoria's Secret/PlNK account was opened on April 13, 2013, in the name ofKaren L. Gardner.The last payment on the account was in the amount of $0.00.The last billing statement, issued on November 17, 2013, reflected a balance of$923.49.The account wrote-off due to non-payment on December 18, 2013, with a write-offbalance of $943.29.The Bank then sold the account to Portfolio Recovery on May 14, 2015.As you state that you never opened or had a Victoria's Secret/PlNK account, please be assuredthat our Account Protection team has contacted Portfolio Recovery and requested the account,be returned to Comenity Bank. A fraud case has been set up and an investigator assigned.We hope this information is helpful. For further questions or concerns, please contact AccountProtection, Bradley T[redacted] at ###-###-#### and reference case ########. He will behappy to assist you.Sincerely,Shawnda Y[redacted]